NAV Kya Hota Hai? Mutual Fund NAV Ka Matlab, Calculation, Aur Importance – Ek Complete Guide in Hinglish (2025)

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Introduction – NAV kya hota hai? (What is NAV in Mutual Funds?)


Agar aap mutual funds me invest karne ka plan kar rahe hain, toh ek term aapko har jagah sunne ko milega – NAV, yaani Net Asset Value. Lekin NAV kya hota hai? Mutual Fund NAV ka matlab kya hota hai? Aur yeh aapke returns ko kaise impact karta hai?

Is 3000 words ke SEO-friendly article me hum detail me jaanenge:

  • NAV ka full form aur meaning
  • Mutual Fund NAV kaise calculate hoti hai
  • NAV se aapko kya samajhna chahiye
  • High NAV ya Low NAV ka kya matlab hota hai
  • Daily NAV kaise update hoti hai
  • NAV aur mutual fund performance ka kya relation hai
  • FAQs and Expert Insights

NAV Full Form – NAV ka Full Form Kya Hota Hai?

NAV ka full form hota hai: Net Asset Value.
Yeh mutual fund ke ek unit ki value batata hai. Simple words me kahen, toh agar aap mutual fund me ₹5000 invest karte hain, toh aapko us din ke NAV ke hisaab se units milti hain.

Example:
Agar fund ka NAV hai ₹50, toh ₹5000 invest karne par aapko milenge:

₹5000/₹50= 100 Units

NAV ka Matlab – Simple Bhasha Me

NAV ka matlab hai mutual fund ki ek unit ki keemat. Jaise share market me share ki price hoti hai, waise hi mutual fund me NAV hoti hai.

Yeh batata hai ki mutual fund ne jitna paisa jama kiya hai aur jitna invest kiya hai, uska net value per unit kya hai.

MutualFund NAV Kaise Calculate Hoti Hai?

NAV calculation ek standard formula ke through hoti hai:

NAV Formula:

NAV = (Total Assets – Total Liabilities) / Total Number of Outstanding Units

Breakdown:

  • Total Assets: Mutual fund ke pass jo bhi investments hai – shares, bonds, cash, etc.
  • Liabilities: Fund ke kharche – management fees, expenses, etc.
  • Outstanding Units: Total investors ke pass jitne units hai.

Example:

  • Assets: ₹100 crore
  • Liabilities: ₹5 crore
  • Units: 5 crore

Toh,

NAV = (100-5)/5 = ₹ 19 per unit

NAV Daily Change Kyu Hota Hai?

NAV roz update hoti hai kyunki mutual funds ka investment portfolio bhi roz badalta hai.

Agar mutual fund ne shares me paisa lagaya hai aur market me shares ka price upar niche ho raha hai, toh uska impact NAV par aayega.

NAV Update Timing:

  • Mutual Funds ki NAV har din raat ko update hoti hai, market band hone ke baad (typically 9 PM tak AMC ke website pe dikh jati hai).

High NAV vs Low NAV – Kya Low NAV Sasta Hota Hai?


Ye bahut bada myth hai ki Low NAV mutual fund sasta hota hai aur High NAV mehenga.

Reality:

  • NAV sirf aapko batata hai ki ek unit ki keemat kya hai, na ki fund ki quality.
  • Agar do mutual funds same return de rahe hain (say 10%), toh chahe NAV ₹10 ho ya ₹100, aapko profit utna hi milega.

Example:

  • Fund A – NAV ₹10 → Invest ₹1000 → 100 Units
  • Fund B – NAV ₹100 → Invest ₹1000 → 10 Units
    Agar dono 10% return de, toh dono ka value ₹1100 ho jayega.

NAV Aur Mutual Fund Returns – Relation Samjhein

Mutual Fund ka actual return uske NAV ke badhne se hi dikhai deta hai.

Example:

  • Starting NAV = ₹50
  • 1 Year baad NAV = ₹60

Toh Return = (60-50/50) x 100 = 20%

Isliye NAV ka comparison aapko returns samajhne me help karta hai.

NAV vs Market Price – Mutual Fund aur Share Market ka Antar

  • Shares ka price market demand/supply se banta hai.
  • NAV actual book value hoti hai, jo ki calculated hoti hai.

NAV market-driven nahi hoti, balki fund ke investment performance pe based hoti hai.

Kya NAV Dekhkar Mutual Fund Select Karna Chahiye?

Short Answer: Nahi.

NAV low ya high hone ka fund ke future performance se koi lena dena nahi hota. Mutual fund choose karne ke liye aapko dekhna chahiye:

  • Fund ka past performance (1Y, 3Y, 5Y returns)
  • Fund Manager ki reputation
  • Expense Ratio
  • Fund ka portfolio (kin companies me invest kiya gaya hai)
  • Risk Level

SIP aur NAV – Kaise Work Karta Hai?


SIP (Systematic Investment Plan) me aap har mahine ek fixed amount invest karte hain, aur aapko us din ke NAV ke hisaab se units milti hain.

Iska fayda ye hota hai ki jab NAV kam hoti hai tab aapko jyada units milti hain, aur jab high hoti hai tab kam. Isse average cost kam hoti hai, jise Rupee Cost Averaging kahte hain.

Different Types of NAV:

  1. Regular NAV – Jisme distributor ka commission included hota hai
  2. Direct NAV – Jisme koi commission nahi hota, aur ye direct AMC se milta hai

Direct Plan NAV hamesha zyada hota hai, kyunki usme charges kam hote hain.

Mutual Fund NAV Track Kaise Karein?

Aap mutual fund ki NAV check karne ke liye in platforms ka use kar sakte hain:

Taxation aur NAV – Capital Gains ka Link

Jab aap NAV ke upar sell karte hain, toh capital gains lagte hain. Agar aapka fund NAV ₹50 se badhkar ₹80 ho gaya aur aapne bech diya, toh aapko ₹30 per unit ka gain mila.

Taxation Rules:

  • Equity Mutual Fund:
    • Holding < 1 Year → 15% STCG
    • Holding > 1 Year → 10% LTCG (₹1 Lakh tak tax-free)
  • Debt Mutual Fund:
    • As per your income slab (after new 2023 tax rules)

NAV aur Exit Load – Bechne Pe Kya Charges Lagte Hain?

Kuch funds me agar aap NAV ke upar fund bechte hain before a certain time period (e.g., 1 year), toh aapko exit load lagta hai.


Yeh bhi NAV ke calculation ke baad hi minus hota hai.

Real Life Example – NAV Kaise Samjhein?

Maan lijiye aapne ₹10,000 invest kiye:

  • NAV on Day 1 = ₹50 → Units = 200
  • NAV after 1 Year = ₹60 → Value = ₹12,000

Profit = ₹2,000 yaani 20%

Lekin agar kisi aur fund ka NAV ₹100 tha aur aapko 100 units milti, toh bhi aapko same profit hota, agar return percentage same hota.

NAV FAQs – NAV ke Baare Me Logon ke Sawal

Q1. NAV kam hai toh kya ye fund better hoga?
👉 Nahi, NAV kam ya zyada hone se performance ka koi lena dena nahi hai.

Q2. NAV har second update hoti hai kya?
👉 Nahi, mutual fund NAV sirf din me ek baar calculate hoti hai, end of the day.

Q3. Kya NAV se pata chalta hai ki fund mehenga hai ya sasta?
👉 Nahi. NAV ek accounting number hai, na ki demand-supply based price.

Q4. SIP me NAV ka kya role hai?
👉 SIP me har installment pe NAV ke hisaab se units milti hain. Yeh long term me average cost ko kam karta hai.

Expert Advice – NAV Pe Focus Nahi, Returns Pe Karo Dhyan

Mutual funds me invest karte waqt investors ko NAV pe nahi, balki fund ke returns, consistency, aur portfolio quality pe dhyan dena chahiye.

  • High NAV ka matlab yeh nahi ki fund mehenga hai.
  • Low NAV ka matlab yeh nahi ki aapko jyada fayda milega.

Conclusion – NAV Samajhna Hai Zaroori, Lekin Sirf NAV Se Decision Nahi Lena Hai

Ab aapko clear hoga ki "NAV kya hota hai?" aur mutual funds me iska kya role hai.
Aap NAV ka use kar sakte hain investment tracking ke liye, lekin sirf NAV dekh kar fund choose karna ek galti ho sakti hai.

Aapka focus hona chahiye:

  • Fund ki long-term performance
  • Risk-adjusted returns
  • Expense ratio
  • Fund manager ki strategy

 

Namaste! Mera naam Jaydip Solanki hai. Main pichhle 12 saalon se accounting aur finance ke kshetra mein kaam kar raha hoon. Is blog Rupigyan.online ke madhyam se main apna personal aur professional anubhav aap sab ke saath share karta hoon, jisme aapko milenge: Finance aur personal budgeting tips Stock market aur investments ki jankari Loans, credit card aur insurance se judi useful baatein Indian taxation aur finance laws ka simplified gyaan Mera lakshya hai ki main har vyakti tak sahi aur saral bhasha mein financial knowledge pahuchaaun, taaki wo apne arthik nirnay khud le sakein – bina kisi confusion ke. Rupigyan – Rupi ka Gyan, Hindi me Asaan.

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